There is no definitive age at which it is too late to buy long-term care insurance, as the answer can vary depending on your individual circumstances. However, it is generally recommended that people consider purchasing long-term care insurance between the ages of 50 and 65, before any health problems arise that could make it difficult or more expensive to obtain coverage.
If you are older than 65, it may still be possible to purchase long-term care insurance, but the cost of premiums is likely to be higher, and you may need to go through a more rigorous medical underwriting process. In some cases, insurance companies may not be willing to offer coverage to individuals who are already experiencing health problems or disabilities.
Before deciding whether to purchase long-term care insurance, it is important to carefully consider your financial situation, your likelihood of needing long-term care, and your ability to pay for the cost of premiums. You may also want to speak with a financial advisor or insurance agent who can help you assess your options and make an informed decision.